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admin | Getting An Ex Back | 10.11.2015
Sometimes it’s good not to take things too seriously, to laugh a little and let loose. This past weekend a family member reminded me how much we overuse the word “need” in our society.
Starting college and living on your own for the first time can help you realize rather quickly that these items you think you “need” may not be necessities after all. My roommate was fortunate (or unfortunate) enough to bring a car to school with her our freshmen year. Luckily there were no accidents that year, but it is easy to see how there could have been with increased driving and an increase in passengers.
Sure it was convenient for her to travel home on weekends and run to Target or other off-campus necessities (there is that pesky idea of “need” again), but could she have done without it? I remember very clearly how aggressively credit card companies marketed to me when I began college. But over time, it became more and more tempting to order that pizza or pay for dinner out with a group of friends and let them put in cash for their portions – especially when I was waiting for a paycheck from my part-time job to hit my account.
Re-prioritizing your spending or cutting back may sound painful at first, but making wiser choices now can save you thousands of dollars and unnecessary stress in the long-run. This entry was posted in College Life, Debt Reduction, Paying for College, Reducing College Costs, Tips for College Students and tagged college needs, credit union, credit union student loan, how to save money in college, need versus want, saving money in college, student choice, tips for college students, what do you need for college, what do you really need for college by StudentChoiceMarketing.

Lend Your VoiceTell us how your credit union’s Student Choice loan influenced your journey to higher education! Eventually you will find your one and true love, it’s only a matter of time and place. I remark to a co-worker that I “need” a Starbucks Pumpkin Spice Latte on the first morning of fall.
Five dollar coffees may be relatively easy to cut out of your daily budget, but there are larger items that can cause ripple effects on your finances. From having a presence on-site during orientation to direct offers in my mail slot, suddenly I found it was very easy to access credit. This type of occasional behavior can be fine – IF you pay off your balance in full each month. College can be a great time to begin building your credit history and show that you are a responsible borrower – but it can also be a time when debt and interest can spiral out of control. We started looking at off campus apartments that were really nice, had spacious layouts and were, in some cases, well furnished with washers and dryers and great kitchens. Schedule a financial check-up with your local credit union – find one nearby using the helpful locator tool below.
The song kind of reminds me of my previous love stories, the good and the sad things I felt during those romantic days.

I may not be looking for a new love right now, but that doesn’t mean I already given up finding the one. My daughter reminds me that she “needs” a fancy pencil sharpener, despite the fact that we have five perfectly good pencil sharpeners lying around the house. Long story short, after considering how much we could realistically afford, driving back and forth to campus, some of us going home (read, doing laundry at home) on the weekends, and our part time jobs, we decided it was a smarter choice for us to live in campus apartments. In fact, it probably helped me network more and plan ahead as I didn’t have a way to leave campus (at least not efficiently) on my own. Now, had the prices been a little lower for the off-campus apartments, or had the quality of on-campus housing not been very high, we may have made another choice. The bus routes are notoriously long where I went to school, but in many urban areas public transit is quite easy to navigate.

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Comments »

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